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Category Archives: Insurance 101

What Is Term Life Insurance?

What Is Term Life Insurance?

Term life insurance is an important risk-management tool. In exchange for annual premium payments, a term life policy pays out a pre-determined amount if the insured party dies during the policy’s term. Since this type of policy remains in force for a fixed period of time and has no cash value, it costs significantly less… Continue Reading

Smoking vs. Non-Smoking Rates

According to the U.S. Centers for Disease Control, more than 440,000 Americans die due to tobacco use every year. More than eight million more are currently living with a serious health condition caused by tobacco use. Unfortunately, 46.6 million continue to smoke, and another 88 million nonsmokers are exposed to secondhand smoke thanks to living with… Continue Reading

Life Insurance Tips

With so many similar policies from which to choose, the process of shopping for life insurance can be overwhelming. It also tends to be highly personal. To secure the best possible deal for themselves and their beneficiaries, the savvy life insurance shopper carefully considers his or her family’s needs and purchases protection accordingly. First-time buyers… Continue Reading

Insurance for Impaired Risk

Insurance for Impaired Risk

For most people, finding affordable life insurance is simply a matter of finding the term policy that best fits their needs. For others, however, health conditions and other factors can lead to them being classified as “impaired risk”—a classification that can lead to dramatically increased insurance rates. Guaranteed issue policies accept all applicants regardless of… Continue Reading

How Does Term Life Insurance Work?

How Does Term Life Insurance Work?

Whole life insurance represents an underwriter’s open-ended commitment to pay out a pre-determined benefit in the event that a policyholder dies or cancels their policy. By contrast, term life insurance remains in force for a fixed period of time. What Happens When the Policy Holder Dies? If a term life policyholder dies during this set term, their policy’s… Continue Reading

Medical vs. No Medical Life Insurance

Medical vs. No Medical Life Insurance

As a condition of coverage, most life insurance policies require every potential policyholder to submit to a comprehensive medical exam. This is a simple cost-control measure; medical exams may confirm or refute policy applicants’ written answers to health-related survey questions. In practice, they often uncover underlying health conditions that directly contradict this self-reported information. As… Continue Reading

Why do I Need Life Insurance?

Life insurance is designed to pay for an individual’s funeral costs, debts, taxes and other expenses after his or her death. It is particularly beneficial for young families with children, individuals with dependents or those who want to ensure that they are able to provide for their loved ones even after they are gone. Many… Continue Reading

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